Accumulate. Return. Preserve. All are important and you have to understand the value of each to you.

Opes Advisors’ investment philosophy focuses on tailoring every investment plan to the individual, and striking the right balance between accumulation and preservation for you. We design an investment portfolio to match your goals, your assets and your risk tolerance.  Some clients have the need and temperament to pursue high risk, high return investments. Others require a conservative, income-oriented approach. We design investment strategies that include the systematic disciplined use of:

 

  • Strategic asset allocation
  • Tactical tilts and rebalancing
  • Global perspective on investments
  • Blend of active and passive money management
  • Oversight and/or transition of existing appreciated holdings
  • Tailored liquidity or diversification strategies for stock option positions
  • Focus on tax efficient management and trading

But we also do things that aren’t typical of wealth management firms that include all of your financial concerns and can make a real difference in outcomes:

  • FEES:  We are a fee-only advisory and we accept no trailer fees or commissions of any kind. We are free of the conflict of interest inherent when financial advisors sell products such as insurance and we don’t accept commissions for trades which is common with stock brokers.  In addition, we disclose not only the fees you pay to us but also the overall charges involved with our investment choices including internal manager fees, which most firms do not disclose to their clients. We strive to be completely transparent.

  • REPORTING: We combine your investment real estate properties into a consolidated report of your financial wealth which includes a quarterly performance report that shows how your entire capital at work, including real estate, is performing, not just your stocks and bonds. This report is easy to understand, so you are grounded about where you stand.
  • INVESTMENT REAL ESTATE: We provide expert investment real estate advisory services, oriented to help you assess individual properties or invest in real estate funds.
  • CAPITAL GAINS TAX STRATEGIES: We work with you to devise effective strategies on existing taxable gains in order to moderate risk while not needlessly paying additional taxes.

Investment Strategy Tailored to Preserve Your Wealth

Wealth accumulation often comes through stock options, building a business, being an employee of a company that goes public or through a lifelong habit of saving and investing. Sometimes big risks have been taken through several of these methods, so our approach is to offset those risks by focusing on wealth preservation first, and then growing asset values over time.

As your Financial Advisor, Opes develops plans with an eye to the big picture, and then as an investment advisor, we manage your liquid assets in stocks and bonds, and advise on your real property holdings. Because Opes Advisors employs experts who understand real estate and real estate financing, you get a broad range of options and advice that is tailored to your financial life with a wide variety of potential advantages.

You might, for instance, have a lot of stock in one company, thanks to a savvy investment or your accumulated stock options. We might, therefore, suggest that you establish a transition account to handle a situation where the tax implications are significant. Or you might have some mutual funds with accumulated gains that we will fold into our overall strategy to avoid owning too much of a particular investment type while getting you best positioned to achieve your long term goals. The exact blend of investment strategies depends upon your individual circumstances and associated tax considerations.

High Fiduciary Standards

Unlike brokers such as UBS and Goldman Sachs, who are not required to adhere to a fiduciary standard that takes your interests first , Opes’ Wealth Advisors make their recommendations within an environment that requires a fiduciary standard. Our qualified and experienced financial advisors are personally responsible for your analysis and making recommendations to you. Our Advisors work for you, not for transaction-based commissions. We select separate account investment managers, index funds and active mutual funds based on well-defined internal criteria, and we measure the results continuously.